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EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byCoastal Vascular Institute to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteAs an employee of Coastal Vascular Institute, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2024 – 2025 plan year, Coastal Vascular Institute has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Coastal Vascular Institute is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Coastal Vascular Institute benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin Next day following 30 days of employmentBenefits End Last day of employmentDependents Legal spouse; natural, adopted, or step-children up to age 26

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteComparison of PlansCoverage Provided by United HealthcareIn-NetworkBuy Up Plan:P3000i80LX22BNon-HSABase Plan: HP32002575i80X24BHSABenefit Period 8/1 – 7/31 8/1 – 7/31Deductibles (Individual / Family) $3,000/$6,000 $3,200/$6,400Out-of-Pocket Max (Individual / Family)$6,500/$13,000 $7,500/$15,000Primary Care Visit $25 Copay $25 CopaySpecialist Visit $75 Copay $75 CopayTelehealth via Teladoc $0 Copay $0 CopayUrgent Care $50 Copay $50 CopayEmergency Room 20% after deductible $300 Copay/20% after deductibleOutpatient Procedure 20% after deductible 20% after deductible Inpatient Visit 20% after deductible 20% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-4Retail: $10/$35/$75/$250 Specialty: $10/$150/$350/$500Retail: $10 copay after deductible/$35 copay after deductible/$70 copay after deductible/ $150 Copay after deductibleSpecialty: $10 copay after deductible/$150 copay after deductible/$350 copay after deductible/ $500 Copay after deductibleMEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your United Healthcare plan documents for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Sentinel, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREPricing Per Pay Period (24)Buy Up Plan:P3000i80LX22BNon-HSABase Plan: HP32002575i80X24BHSAEmployee $60.00 $50.00 Employee + Spouse $418.03 $372.54 Employee + Child $328.52 $291.90 Employee + Family $686.55 $614.44 Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular Institute

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular Institute

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular Institute

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular Institute

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular Institute

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteA health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP whilesaving for your out-of-pocket eligible health care expenses. The HSA is your personal bank account and can be used for you and your dependents now and in the future.Why Is It A Good Idea To Have An HSA?HSAs benefit everyone who are eligible to have this account, including single individuals, families and soon-to-be retirees. You save money on taxes in three ways:• Tax-Free Deposits: The money you contribute to your HSA isn't taxed (up to the IRS annual limit)• Tax-Free Earnings: Your interest and any investment earnings grow tax-free• Tax-Free Withdrawals: The money used toward eligible health care expenses isn't taxed now or in the futureSetting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30% tax bracket, you can save $30 on every $100 spent on eligible health care expenses.HSA funds roll over from year to year and accumulate in your account. There is no "use-it-or-lose-it" rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. Also, when you have a certain balance in your HSA, investment opportunities are available.Who is Eligible?You are eligible to contribute to an HSA if:• You are enrolled in a qualified HDHP – (Base Plan HP32002575i80XES24B)• You are not enrolled in a copay plan such as a spouse’s non-HDHP, Medicare, Medicaid or Tri-Care• You or your spouse is not enrolled in a full purpose Health Care Flexible Spending AccountRefer to your HSA documentation for more information.HSA Contribution LimitsYou can contribute to your Optum Bank HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. The IRS has established the following maximum HSA contributions:2024 Tax Year 2025 Tax Year$4,150 Individual / $8,300 Family $4,300 Individual / $8,550 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. HEALTH SAVINGS ACCOUNT (HSA)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteSummary of CoverageCoverage Provided by Guardian In-NetworkCalendar Year Deductibles(Individual / Family)$50/$150Preventive Care Covered in fullBasic Procedures (simple extractions, one surface fillings, etc.)20% after deductibleMajor Procedures(single crowns, dentures.)50% after deductibleCalendar Year Maximum Benefit $1,000Orthodontics 50% after deductible/ $1,000 Lifetime maximumDENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay Period (24)Employee $21.81Employee + Spouse $43.61Employee + Children $57.36Employee + Family $80.86Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteSummary of CoverageCoverage provided by (Guardian) VSP In-NetworkVision Exam (Once per plan year)$10 CopayLenses (once per plan year)Single $25 CopayBifocal $25 CopayTrifocal $25 CopayFrames (Once every other year)$130 Allowance, 20% discount on amount over $130Standard Contact Lenses Fit & Follow Up Exam$130 AllowanceMedically Necessary Contact Lenses$25 CopayVISIONOur vision coverage is provided by (Guardian) VSP. Please review your plan documents for additional details.Pricing Per Pay Period (24)Employee $3.79Employee + Spouse $6.39Employee + Children $6.51Employee + Family $10.30Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteSummary of CoverageCoverage provided by GuardianPlan FeaturesEmployee Benefit Amount 100% of annual earnings up to $50,000Maximum Benefit Amount $50,000AD&D Benefit 100% of annual earnings up to $50,000Benefit Reductions reduce by 35% at age 65 and 50% at age 70Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. If you believe you need additional coverage, you may wish to enroll in voluntary life insurance as well. Employees must fill out an EOI form if they exceed the guaranteed issue amount.GROUP LIFE and AD&D INSURANCESummary of CoverageLife Benefit Employee Spouse Dependent Child(ren)Amount $10,000 increments $5,000 incrementsbirth to 14 days - $1,00014 days to 26 years old - $2,000Minimum Amount $10,000 $5,000 $2,000Maximum Amount $500,000$250,000 (not to exceed 50% of employee amount)$10,000Guarantee Issue (Newly Eligible Employees)<age 65 - $150,00065<70 - $50,00070+ - $10,000<age 65 - $30,00065<70 - $10,00070+ - $0N/ABenefits Will Reduce ByAge 65 -35%Age 70 - 50%N/A N/AVOLUNTARY LIFE and AD&D INSURANCEFor summary of rate sheet, please see carrier summary or Employee Navigator.Cost is age-banded and based on employee’s age.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteSummary of CoverageCoverage provided by GuardianPlan Features Short Term Long TermEmployee Benefit Amount 60% of weekly earnings 60% of monthly earningsMaximum Benefit Amount $1,000$6,000 Class 2$10,000 Class 1Elimination Period (Accident) Day 8 Day 91Elimination Period (Sickness) Day 8 Day 91Benefit Duration 12 weeks To age 65, standard ADEADisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term, while Long-Term coverage is available for extended disabilities. DISABILITY INSURANCEPlease see policy for more information.Voluntary AccidentAccident coverage can help pick up where other insurance leaves off and provides cash to help cover expenses. This provides coverage for off-the-job accidents.Coverage provided by GuardianPlan Features Basic AdvantageBenefit Off Job Off JobBenefit Amount(s)Employee $10,000 Spouse—$5,000Child—$5,000Employee $10,000 Spouse—$5,000Child—$5,000Wellness Benefit Included $50 $50Rainy Day fund $250 $400Spouse/child coverage included Yes Yes

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular Institute

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular Institute

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Vascular InstituteCarrier ResourcesBENEFIT CARRIER GROUP # PHONE NUMBER WEBSITEMedical United Healthcare 1686117 877-842-3210 www.uhc.comDental Guardian 00564281 800-627-4200 www.guardianlife.comVision Guardian 00564281 877-814-8970 www.guardianlife.comLife Guardian 00564281 800-525-4542 www.guardianlife.comDisability Guardian 00564281 800-627-4200 www.guardianlife.comHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical United HealthcareHard copy of ID cards are issued and mailed to your home address.Dental GuardianView, download, or email your ID card through the Guardian Dental & Vision appVision GuardianView, download, or email your ID card through the Guardian Dental & Vision app.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Coastal Vascular Institute